Credit Officer in Agrobank Region Sabah

Position : Credit Officer No. of Vacancies : 5 Vacancies Area : Kota Marudu, Kota Kinabatangan & Sandakan REQUIREMENTS: • Possess a recognized Bachelor’s Degree in Business/Finance or related discipline. • Passed in ICCP is an advantage • CCP or other equivalent recognized certifications are advantage • Fresh graduates or at least 1-2 years with working experience in business/commercial/corporate banking. • Good knowledge of the broad range of Agrobank’s products. • Independent, self-motivated, resourceful and have excellent interpersonal skills. • Strong knowledge of Banking product. • Good analytical skills in financial accounts and well versed in cash flow analysis. • Good in financing/loan structuring for working capital, project financing and loan syndication/club deal as well as restructuring and rescheduling of impaired accounts. • Good planning and organizing skills. • Result oriented and able to work as a team. JOB RESPONSIBILITIES: Responsible for Acquiring new customers and growing existing portfolio of Commercial segments by offering product solutions to assist the customer’ business models and ultimately contributes to the Bank’s profitability and growth. All these aspects should be parallel with targeted KPI targets: • Prospecting new accounts and maintaining existing client relationships to diversify the Bank’s product and services. • Identify customer needs and capture new financing and / or cross selling opportunities, negotiate for best margins to optimize account profitability. • Achieve KPI performance and contributed to the department’s growth/ revenue for a defined business segment. • Monitor individual progress of actual achievements against department’s target, direct continuous improvements to remain on track. • Ensure overall facility utilization and profitability of assigned portfolio. • Build rapport and develop meaningful networking in the customer's organization; for priority in utilization of the Bank's facilities. • To issue letter of Offer and ensure perfection of relevant documents as per approved terms which are undertaken by Credit Administration Department (CAD). • To work closely with CAD to ensure documentation/ drawdown of the financing within the set time frame. • Ensure compliance with the Group’s standard and regulatory requirements pertaining to Anti Money Laundering and KYC. • To ensure that works done are according to the time frame, set quality and the set SOP by the Management. • To turn service recovery into sales opportunity. • Ensure satisfactory level of proactive customer servicing with reasonable turnaround time on ad hoc requests. • To manage a portfolio of customers, customer retention with objective to maximize return to the Bank. • To maintain relationship and providing excellence customer service to the customer. • To ensure timely submission of annual reviews, facilities granted are adequately utilized and good account conduct. • To prepare and present the credit review at least 1 month before due date for reviews.